Yes, you can file a lawsuit in the proper court and recover your damages if the person is unwilling to pay voluntarily.
Although it depends on your insurance, the driver is covered if driving with your permission.
Take them to small claims court for the damages. If they didn't have permission, you should have reported it stolen and had them arrested.
If the person driving was given permission then all coverage should apply per the provisions of your particular policy.
You guessed it!
If you have insurance on your car, and someone else is driving it, and has an accident your insurance rate will go up but it will cover the damages to the other persons vehicle.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
Well you don't have to be 'at fault' to be responsible. If you gave permission for someone to driver your vehicle, (subject to any policy exclusions) the insurance stays with the car. Your policy will cover all damages to yours and the other party's (if there is one) vehicle. Unfortunately you will owe your deductible (if you are repairing your vehicle or it is totaled), and also will bare the rate increase should there be one for this accident....if you could provide more details perhaps i could be of more assistance.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
Usually, if the driver had the owner's permission to drive. What happens if the car is owned by the person that has the accident but the insurance is in your name? However you no longer want to be in that relationship or to have to pay that insurance?
When you cause an accident that damages another vehicle or hurts someone
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
You are the one legally in the care, custody, and control of the vehicle and therefore are the one who will be cited for driving without insurance. This is just the beginning of your trouble though. If you were at fault, you are also responsible for the damages done in the accident which may include injuries and damages to the vehicle you hit.